State Farm has announced a 22% emergency rate hike amidst rising insurance claims due to frequent wildfires in California. Many Californians are frustrated with a state measure that prohibits insurance companies from adjusting rates based solely on risk, arguing that it forces lower-risk homeowners to subsidize higher rates for those in high-risk areas. Comments reflect a widespread discontent with the regulations that prevent risk-based pricing and the subsequent exit of insurers from the state. The ongoing debates include considerations of constitutional implications and the potential for a ballot measure repeal.